Active
$2,450,000
Est. $16,561/mo

12816 Harborwood Dr, Largo, FL, 33774

$579/sqft·Kensington Oaks

4 bd5 ba4,234 sqft2 car garageSingle Family
Listed by HOMES BY SANDERS REALTY· Last updated · MLS# TB8533580

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Est. monthly payment
$16,561/mo
Down payment (20%)
$490,000
Property taxes
$2,487/mo
HOA
$850/yr
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1987
Waterfront
Intracoastal Waterway
Private pool
Auto Cleaner
2 car garage
Garage Door Opener
1.31 acres
Lot size

About this home

Cathedral Ceiling(s)Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboPrimary Bedroom Main FloorSolid Wood CabinetsStone Counters

12816 Harborwood Dr is a 1987-built home in Kensington Oaks, Largo. Inside you'll find 4 bedrooms, 5 bathrooms, and 4,234 square feet of living space. Listed at $2,450,000 (about $579/sqft), 2 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $850 annually.

From the listing

Experience an exceptional waterfront lifestyle in this magnificent custom estate, ideally situated on the Intracoastal Waterway between Indian Rocks Beach and Belleair Beach. Nestled on an extraordinary 1.3-acre homesite in the exclusive Kensington Oaks community, this private residence offers breathtaking panoramic water views, lush manicured grounds, and quick access to the Gulf of America. Spanning more than 4,200 square feet, this impressive home offers 4 bedrooms, a bonus room w wet bar, loft, 4.5 baths with convenient pool bath, and a spacious 2-car garage. The thoughtfully designed floor plan is ideal for both everyday living and entertaining, featuring a luxurious first-floor primary suite with an expansive sitting area and spa-inspired bath, and an in law suite w private bath, while the upper level includes two more bedrooms, a full bath, and a versatile loft with balcony. Spectacular water views throughout the home, soaring ceilings, rich wood flooring, and fireplaces in both the living and family rooms create warmth and timeless elegance. The formal dining room is perfect for hosting memorable gatherings. Outdoor living is equally impressive. A nearly 60-foot covered and screened lanai overlooks the sparkling 15’ x 30’ pool, designed with open-air enjoyment instead of a traditional pool cage, allowing uninterrupted sunshine and refreshing coastal breezes. The second-floor balcony provides an elevated vantage point for breathtaking sunrises, colorful sunsets, and endless views of the Intracoastal. Kensington Oaks is one of the area’s desirable waterfront communities, known for its beautifully maintained homes, mature landscaping, and peaceful setting. Enjoy a short stroll to Bonner Nature Park and easy access to some of Florida’s finest beaches, including Indian Rocks Beach, Belleair Beach, and Clearwater Beach. Fine dining, golf, shopping, and two international airports are all within convenient reach. This is more than a home—it’s a rare opportunity to own a private waterfront estate offering space, elegance, and the quintessential Florida coastal lifestyle.

The essentials

Built
1987
Price / sqft
$579
On market
43 days
Annual tax
$29,841
HOA
$850/yr
Flood zone
AE
Lot
56,985 sqft
Type
Single Family Residence

Location

12816 Harborwood Dr
Largo, FL, 33774·33774 - Largo
Type
Single Family Residence
Year Built
1987
Lot
56,985 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener, Oversized
Pool
Auto Cleaner, Gunite, In Ground, Lighting, Outside Bath Access, Pool Sweep
Waterfront
Intracoastal Waterway
Days on Market
43
Cathedral Ceiling(s)
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Solid Wood Cabinets
Stone Counters
Walk-in Closet(s)
Window Treatments
Outdoor Grill
Private Yard
Sidewalk
Deed Restrictions
Street Lights
Bar Fridge
Dishwasher
Disposal
Dryer
Microwave
Range
Range Hood
Refrigerator
Washer
Wine Refrigerator
Flood Zone AE

Annual Tax (2025)

$29,841

Parcel #

07-30-15-46280-000-0010

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Kensington Oaks

County

Pinellas

MLS Area

33774 - Largo

Lot Size

56,985 sqft

ClearedConservation AreaFlood Insurance RequiredFloodZoneLandscapedOversized LotSidewalkSlopedPaved
HOA
$850/yr
Jamie
Date
Event
Price
7/30/2026
Listed for sale
Source: Stellar MLS #TB8533580
$2,450,000+153.9%
$579/sqft
7/1/2017
Sold
Source: Pinellas County Public Record
$965,000
$228/sqft
Est. monthly payment$16,560/mo
Principal & interest$12,778
Property taxes$2,487
Insurance$1,225
HOA$71
Down payment20% · $490,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $2,450,000
$2.42M – $2.45M
98.6% – 100% of listTops out right at the list price
80% of listList price
38 of the last 75 home closings in 33774 landed at this number or higher (51%). The median one sat 25 days before it went under contract, and this one is on day 43.

Sample: 75 closed home sales in 33774 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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